| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID J MCCLELLAN3 Filed as: DAVID LYON | 1143 1ST AVE S STE 107 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | — | $42K | 5.98% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | — | AXIS INSURANCE CO | $64K | $2K | $66K | 13.21% |
| DAVID J MCCLELLAN3 Filed as: DAVID LYON | — | AXIS INSURANCE CO | $32K | — | $32K | 6.44% |
| ADMINISTRATIVE CONCEPTS INC3 Filed as: ADMINISTRATIVE CONCEPTS, INC. | — | AXIS INSURANCE CO | $25K | $850 | $26K | 5.12% |
| SURETY MARKETING3 | — | AXIS INSURANCE CO | $25K | — | $25K | 4.95% |
| WELLVIA3 | — | AXIS INSURANCE CO | — | $3K | $3K | 0.51% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE | — | AXIS INSURANCE CO | — | $2K | $2K | 0.37% |
| LBA SERVICE LLC3 Filed as: LBA CONSULTING INC | — | AXIS INSURANCE CO | — | $638 | $638 | 0.13% |
| MY ADVISOR INC3 | 2121 1ST AVE N STE 201 BIRMINGHAM, AL 352034237 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $12 | $29K | 7.98% |
| DAVID J MCCLELLAN3 Filed as: DAVID LYON | 1143 1ST AVE S STE 107 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25K | $423 | $25K | 15.46% |
| DAVID J MCCLELLAN3 Filed as: DAVID LYON | 1143 1ST AVE S STE 107 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $102 | $11K | 12.93% |
| DAVID J MCCLELLAN3 Filed as: DAVID LYON | 1143 1ST AVE S STE 107 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $117 | $6K | 14.37% |
| DAVID J MCCLELLAN3 Filed as: DAVID LYON | 1143 1ST AVE S STE 107 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $188 | $4K | 12.19% |
| DAVID J MCCLELLAN3 Filed as: DAVID LYON | 1143 1ST AVE S STE 107 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $639 | — | $639 | 12.62% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 289 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 289 | $3.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 666 | $358K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 293 | $697K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 293 | $697K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 293 | $697K |
| Other(7 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 289 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 666 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.